WEBVTT - Earn Your Time Off (How-To Monday) 0:00:00.120 --> 0:00:03.800 Ba fam, we have another how to throw back for you, 0:00:03.920 --> 0:00:06.640 of course we do. All month, We're looking back at 0:00:06.640 --> 0:00:10.799 some of our favorite episodes from days past, for memorable 0:00:10.800 --> 0:00:13.800 guests who unforgettable moments. There's still so much to learn 0:00:13.880 --> 0:00:17.079 from the b A Vault. Take a listen, will ya. 0:00:33.440 --> 0:00:33.760 Hey? 0:00:34.040 --> 0:00:40.240 Hey oh we are back. We are black extra black. 0:00:40.240 --> 0:00:41.120 You're gonna see wit. 0:00:41.040 --> 0:00:42.800 A minute back in blacker than ever. 0:00:43.159 --> 0:00:46.120 Yes, and we're brod envision. Hey manja, are you excited 0:00:46.120 --> 0:00:48.200 about today's show? Like I'm excited about today's show. 0:00:48.280 --> 0:00:49.640 I mean, you know, when you get a couple of 0:00:49.760 --> 0:00:52.680 y chromosomes in the mix, you know that aren't related 0:00:52.720 --> 0:00:55.160 to you, you might like put a little extra, something extra, 0:00:55.240 --> 0:00:58.480 put a little messca on, get all excited. Yes, I'm 0:00:58.520 --> 0:01:01.840 excited because I mean with without further ado, let's let's 0:01:01.920 --> 0:01:03.960 let's let's let the people have what they want, which 0:01:04.000 --> 0:01:07.120 is a conversation with the earn your Leisure Gentleman Rashad 0:01:07.160 --> 0:01:10.720 Bilal Troy Millings with special guest Ian Dunlip. This was 0:01:11.160 --> 0:01:16.160 one of my favorite uh DA hosted guest video guest 0:01:16.160 --> 0:01:23.200 interviews ever. So I hope you guys enjoy all right 0:01:23.280 --> 0:01:25.800 we are I can't even tell you guys, how how 0:01:25.840 --> 0:01:27.880 long this has been in the making in my own dreams. 0:01:27.959 --> 0:01:30.560 But it hasn't been that long since I was like, Tiffany, 0:01:30.720 --> 0:01:32.560 do you know? Do you know Troy and Mashaw? Can 0:01:32.600 --> 0:01:37.120 you can you know Tiffany's friends. I'm always trying to 0:01:37.160 --> 0:01:39.760 just like wesel my way in there. But I'm so 0:01:39.800 --> 0:01:42.440 excited to have you guys on the show. The Biggest 0:01:42.480 --> 0:01:46.720 can we say, the biggest business? Okay, Ian's got it? 0:01:46.920 --> 0:01:47.560 I do you want to do? 0:01:47.600 --> 0:01:52.360 The platform? 0:01:52.600 --> 0:01:53.279 There is. 0:01:54.640 --> 0:01:57.240 Platform, there is se and Trugg gonna be humble. You 0:01:57.280 --> 0:02:04.520 know they went to church yesterday, the Biggest you know, wait. 0:02:04.440 --> 0:02:06.120 Let me finish, Let me finish. For those of you, 0:02:06.120 --> 0:02:08.080 you may be living under a rock, but I have 0:02:08.160 --> 0:02:10.160 a feeling if you're listening to Round Ambition, you must 0:02:10.240 --> 0:02:13.640 have seen Troy and Troy and Rashad's podcast Earn Your Leisure, 0:02:13.639 --> 0:02:15.720 which is so much bigger than a podcast. They have 0:02:15.840 --> 0:02:18.920 a podcast network. Some of our friends around that network. 0:02:18.919 --> 0:02:21.840 We've had Cash Cash on the show before. We are 0:02:21.880 --> 0:02:24.920 so thrilled to have you guys here. So welcome, first 0:02:24.960 --> 0:02:27.720 and foremost to Troy and Rashad. Welcome to the Ambition 0:02:27.840 --> 0:02:32.080 I want to thank you for having This is the 0:02:32.120 --> 0:02:34.440 girls room, This is like the girl's den. Yeah you ready. 0:02:34.600 --> 0:02:39.080 We have a handful of dudes that listen house plans 0:02:40.400 --> 0:02:42.079 we do. We always tease them like we're not talking 0:02:42.080 --> 0:02:44.960 to you right now, but you can listen. No, it's 0:02:44.960 --> 0:02:47.160 so excited for me to be here because everywhere I go, 0:02:47.639 --> 0:02:53.320 everywhere we go, every people are like, have you heard 0:02:53.320 --> 0:02:56.520 of Earned your Leasure? Or they're like, you know, Tiffany, 0:02:56.560 --> 0:02:58.560 I heard you on Earn your Leisure? You know, and 0:02:58.600 --> 0:03:03.200 so you have transformed the culture as it relates to 0:03:03.919 --> 0:03:08.760 personal finance, and so for that we are appreciative because normally, 0:03:08.800 --> 0:03:10.840 like you know, our audience is typically women, right man, 0:03:10.840 --> 0:03:12.400 he would say, like I said, we've got guys, but 0:03:13.200 --> 0:03:14.880 we got some guys right. 0:03:15.080 --> 0:03:18.000 Yeah, yeah, yeah for sure. But no, but our mission 0:03:18.000 --> 0:03:20.480 when we started was to you know, this was six 0:03:20.560 --> 0:03:22.640 years in the making, this six years ago that we 0:03:22.639 --> 0:03:24.600 were starting to make the show, and our mission was 0:03:24.960 --> 0:03:28.120 there's no black women talking about finance and career and 0:03:28.160 --> 0:03:30.480 investing in all of all that and all that, and 0:03:30.520 --> 0:03:32.600 that's why we That was really the audience we were 0:03:32.600 --> 0:03:36.280 speaking to. And I feel like y'all have just exploded. 0:03:36.320 --> 0:03:40.080 And also, you know y'all are y'all are helping normalize 0:03:40.280 --> 0:03:43.080 black and brown black people, black men, especially talking about 0:03:43.120 --> 0:03:44.040 finance and business. 0:03:44.120 --> 0:03:46.120 And I never have more men slip into my d 0:03:46.280 --> 0:03:49.760 MS in a respectful way than when I'm on your 0:03:49.760 --> 0:03:52.000 self for all, because everybody knows I'm married my husband 0:03:52.040 --> 0:03:53.640 sixty six. You don't want it, and he's from there, 0:03:54.560 --> 0:03:58.560 but I love like queen. I think you want e l. 0:03:59.360 --> 0:04:06.480 Yeah, gentlemen, yes, so yeah, So welcome, welcome, welcome. 0:04:06.560 --> 0:04:10.200 Some we're not going to we want to maximize your awesomeness. 0:04:10.800 --> 0:04:13.000 I am going to me and Mandy. Well, well, we'll 0:04:13.040 --> 0:04:15.560 shoot and fire away at some questions. Well one, I'd 0:04:15.600 --> 0:04:17.400 like to know some like origin stuff before we get 0:04:17.440 --> 0:04:20.560 into like actual like technical questions. So like how did 0:04:20.640 --> 0:04:24.120 this all begin? Because you guys have had like like 0:04:24.160 --> 0:04:27.599 a a shot like shot of rise to like start 0:04:27.640 --> 0:04:29.760 them honestly, So how did it? How did it start? 0:04:30.160 --> 0:04:33.480 Yeah, for sure, I'll give you the whole story. So 0:04:33.760 --> 0:04:35.840 we started. Me and Troy been friends all our lives 0:04:35.839 --> 0:04:38.680 pretty much ever since like middle school, so you know 0:04:38.720 --> 0:04:41.360 we always was friends, always talking about you know, sports 0:04:41.360 --> 0:04:43.120 and rapp and all that kind of stuff. And me, 0:04:43.279 --> 0:04:46.480 you know, being a financial advisor after I got finished college, 0:04:46.480 --> 0:04:49.039 and Troy being a teacher. You know, he brought me 0:04:49.040 --> 0:04:51.480 in the classroom and he started teaching financial literacy to kids, 0:04:51.839 --> 0:04:53.480 and that was really the start of it. And then 0:04:53.480 --> 0:04:55.080 from there that kind of blossomed to me, you know, 0:04:55.160 --> 0:04:58.960 developing an Instagram page and you know, from there that 0:04:58.960 --> 0:05:01.960 that led to people ask and for a podcast, that 0:05:02.040 --> 0:05:04.920 led to you know, starting of Earning Your Leisure, which 0:05:04.960 --> 0:05:07.680 you know, we started off talking about you know, backstories 0:05:07.680 --> 0:05:10.640 of entrepreneurs and the back of different businesses, things of 0:05:10.640 --> 0:05:13.320 that nature, and then that kind of transformed into deep 0:05:13.400 --> 0:05:17.360 dives into different industries that transformed it's like a domino effect. 0:05:17.360 --> 0:05:21.000 Then that transformed in to where we have now, which 0:05:21.040 --> 0:05:23.200 is a platform. So Earn Your Leisure is not just 0:05:23.200 --> 0:05:25.839 the podcast as a platform. So like we have inan 0:05:25.920 --> 0:05:28.320 on with us right now, our partner on market Mondays, 0:05:28.320 --> 0:05:31.160 and that's the first show that we actually like executive produced, 0:05:31.160 --> 0:05:33.839 if you would say, under Umbrella. Now's the stock Show, 0:05:33.839 --> 0:05:36.599 and that became one of the top investment shows on 0:05:36.920 --> 0:05:41.200 the internet. So one domino kind of led to the next. 0:05:41.320 --> 0:05:45.520 But it really all started in the classroom and then 0:05:45.600 --> 0:05:48.279 from there, which I know you can appreciate, Tiffany, you 0:05:48.320 --> 0:05:51.320 being a teacher, performer teacher. And then that from there 0:05:51.440 --> 0:05:53.040 that just kind of led to what we do now, 0:05:53.040 --> 0:05:55.279 which I still feel like is a form of teaching, 0:05:56.440 --> 0:05:58.440 just in a in a different variety and not not 0:05:58.640 --> 0:06:01.440 in the classroom, but you know, on the internet for 0:06:01.880 --> 0:06:03.560 the whole world to see. 0:06:03.920 --> 0:06:05.880 I mean, there's so many similarities. And from what we 0:06:05.880 --> 0:06:08.400 were doing the summer internship program. Kids would come in, 0:06:08.520 --> 0:06:10.719 we would interview them and they woul tell us about 0:06:10.720 --> 0:06:12.640 their future aspirations, and then we would go out in 0:06:12.640 --> 0:06:14.359 the community and try to pair them up with that 0:06:14.440 --> 0:06:19.520 future aspiration, where it be a pediatrician, electrician, an architect, 0:06:20.000 --> 0:06:22.599 and so they would get the six weeks of experience 0:06:22.600 --> 0:06:24.240 of being what it's like, seeing what it's like to 0:06:24.240 --> 0:06:26.359 be in that profession. And so if you think about it, 0:06:26.360 --> 0:06:28.159 that's kind of what we do now. We just we're 0:06:28.240 --> 0:06:31.000 actually showing people the professions whereas the kids were going 0:06:31.000 --> 0:06:33.039 to see it and they will report back to each other. 0:06:33.360 --> 0:06:35.280 And two things I always say that can happen from 0:06:35.279 --> 0:06:37.159 an internship You can say, yeah, I really like this, 0:06:37.200 --> 0:06:39.520 I want to pursue this in the future. Or no way, 0:06:39.920 --> 0:06:41.600 this is too boring. I never want to do this. 0:06:41.640 --> 0:06:44.040 But you're getting that experience at fourteen, whereas most people 0:06:44.040 --> 0:06:47.039 are getting that after they've graduated from college, which is 0:06:47.080 --> 0:06:48.760 going to cost you a lot of money. And so 0:06:48.839 --> 0:06:50.599 that was our goal. And now we're doing that to 0:06:50.640 --> 0:06:52.919 the world. Right. We're introducing them to so many different 0:06:52.960 --> 0:06:55.200 careers so they can say, you know what, I want 0:06:55.200 --> 0:06:57.040 to pursue this, and they might be doing it at sixteen, 0:06:57.080 --> 0:06:58.520 they may be doing that at fifty, but they have 0:06:58.839 --> 0:07:00.720 their eyes open to so many different fields now. 0:07:01.200 --> 0:07:03.920 So it started from an internship program, correct. 0:07:06.320 --> 0:07:08.520 Yeah. So at the end of the internship, the kids 0:07:08.520 --> 0:07:10.840 were going to get paid like five hundred dollars, and 0:07:10.880 --> 0:07:12.960 so it was their first time at fourteen, it's your 0:07:12.960 --> 0:07:15.400 first time coming in contact with money. And so I 0:07:15.480 --> 0:07:17.080 knew that, and I said he was like, he said 0:07:17.120 --> 0:07:19.040 he was on his financial advising career, and I'm like, 0:07:19.640 --> 0:07:21.760 I think you should come and teach these kids about money. 0:07:21.800 --> 0:07:21.920 Man. 0:07:21.960 --> 0:07:24.200 It's probably vital that they know what the value of 0:07:24.240 --> 0:07:25.840 it is, what they should do with it, because most 0:07:25.880 --> 0:07:29.280 of the kids at fourteen, it's like, all right, that's 0:07:29.320 --> 0:07:31.920 back to school shopping. I'm buying the new Sniggers. I'm 0:07:31.920 --> 0:07:34.200 buying some jeans, and they didn't realize after they bought 0:07:34.200 --> 0:07:35.760 the Sniggers and the jeans, they had no more money left. 0:07:35.920 --> 0:07:40.000 That's like half an AirPod? Why are they so expensive? 0:07:40.640 --> 0:07:43.160 You'll girl just lost. I'm like, you've got ear pop money. 0:07:43.160 --> 0:07:44.920 She actually does, because she's like, I work for you, 0:07:45.000 --> 0:07:45.200 so I. 0:07:45.200 --> 0:07:47.600 Need to send you. The Metro North still has one 0:07:47.640 --> 0:07:49.880 half of my AirPods, and I will be not forgotten. 0:07:50.400 --> 0:07:52.360 Speaking of the Metro North, I was going to work 0:07:52.400 --> 0:07:54.560 this in do y'all are y'all from Westchester? 0:07:55.040 --> 0:07:55.800 Yeah? 0:07:55.920 --> 0:07:57.360 I read that right? 0:07:57.920 --> 0:08:02.480 I live fact, I live in Greenberg. 0:08:03.000 --> 0:08:05.440 No you don't, I do, Yes, I do. 0:08:05.760 --> 0:08:07.960 I just moved here a few years ago. Yeah, my 0:08:08.040 --> 0:08:10.720 husband's from Manhattan. Y'all are from the Bronx, right. 0:08:10.840 --> 0:08:11.760 Originally born? 0:08:12.280 --> 0:08:13.720 Where do you go when you're from the Bronx? Either 0:08:13.760 --> 0:08:16.800 Westchester or Jersey? And we ended up going to Westchester. 0:08:17.160 --> 0:08:18.920 Wow, it's not too late for Jersey. You can come 0:08:18.920 --> 0:08:19.160 on with. 0:08:20.000 --> 0:08:23.320 It's an interesting dynamic because it's like your your. 0:08:23.240 --> 0:08:25.080 Husband, he's black, he's Dominican. 0:08:25.320 --> 0:08:27.960 Dominican. Okay, so he's black my book. 0:08:27.880 --> 0:08:32.200 But you know, we have those discussions but we'll continue. 0:08:32.200 --> 0:08:33.040 This isn't about that. 0:08:32.960 --> 0:08:37.160 But that's a different that's a different conversation. But now, 0:08:37.240 --> 0:08:39.560 you know, growing up, that was the thing, like you know, 0:08:39.600 --> 0:08:42.400 if you if your parents did decent for themselves, like 0:08:42.520 --> 0:08:45.520 you said, and where we're from, Greenberg is actually one 0:08:45.520 --> 0:08:47.520 of the only towns in America where it's like a suburb, 0:08:47.559 --> 0:08:48.920 but it's like ninety percent black. 0:08:49.200 --> 0:08:51.400 Yes, it's a black like middle. 0:08:51.160 --> 0:08:52.319 Class is what we loved about it. 0:08:52.400 --> 0:08:55.480 Yeah, working class suburb, which is an interesting dynamic because 0:08:55.720 --> 0:08:58.760 Westchester County, like where we come from, is very segregated place, 0:08:59.280 --> 0:09:03.960 and you know, majority of it is like very well 0:09:04.000 --> 0:09:07.400 to do white neighborhoods, but then you have pockets where 0:09:07.440 --> 0:09:10.960 it's all black, like, yeah, we're from Greenberg, Mount Vernon, 0:09:11.360 --> 0:09:14.520 South Yonkers peak skill peak skill. So it's interesting. That's 0:09:14.520 --> 0:09:18.080 an interesting study in geography. You know, it's kind of 0:09:18.080 --> 0:09:19.560 off topic a little bit, but we're still talking about 0:09:19.600 --> 0:09:22.800 finance where it's like, you know, segregation is still alive 0:09:23.320 --> 0:09:26.320 and people just don't realize exactly. It's like they just 0:09:26.800 --> 0:09:29.040 are forced to move to certain neighborhoods or they move 0:09:29.120 --> 0:09:32.280 to certain neighborhoods, and it's like it's just interesting that 0:09:32.360 --> 0:09:34.640 this small town that we live in twenty minutes outside 0:09:34.640 --> 0:09:37.720 the Bronx, and ninety percent of the people migrated from 0:09:37.720 --> 0:09:38.839 the Bronx and it's all black. 0:09:40.280 --> 0:09:42.439 They could have moved. 0:09:43.920 --> 0:09:46.120 Crazy many is that in that in the program we 0:09:46.160 --> 0:09:48.720 actually did a project on the segregation of our town. 0:09:48.800 --> 0:09:49.440 Because it's tool. 0:09:49.480 --> 0:09:51.360 I want to read it. I love the history. Yeah, 0:09:51.640 --> 0:09:53.320 I don't want to know everything about it. 0:09:53.320 --> 0:09:55.640 It's very interesting, especially when you break it down to 0:09:55.679 --> 0:09:58.319 the school districts. So yeah, we'll talk. We'll talk after this. 0:09:58.440 --> 0:10:00.480 Yeah, well we talked about this on the sh just 0:10:00.480 --> 0:10:03.920 like you know, as an investment home ownership being this 0:10:04.040 --> 0:10:06.439 you know pathway too. We're gonna talk about investing home 0:10:06.480 --> 0:10:09.720 ownership being this traditional form of wealth building in black 0:10:09.720 --> 0:10:13.040 and brown communities, and and and seeing why I had 0:10:13.040 --> 0:10:14.680 to reckon with the fact that oh I could afford 0:10:14.679 --> 0:10:17.960 a house here, because unfortunately it seems like home values 0:10:18.000 --> 0:10:21.200 have been yes, increasing, but not as you know, not 0:10:21.240 --> 0:10:23.560 as expensive as other areas in Westchester, and you have 0:10:23.600 --> 0:10:26.480 to think about, oh, well, there's racism, and. 0:10:26.720 --> 0:10:30.000 The homes don't appreciate the same level where we're from 0:10:30.080 --> 0:10:32.280 like any other place in west Chester. The homes appreciate 0:10:32.360 --> 0:10:36.800 much higher, but ironically, for some reason, in the Black neighborhood, 0:10:37.040 --> 0:10:39.920 the homes don't appreciate the same value as anywhere else 0:10:39.960 --> 0:10:42.840 in the county. So it's an interesting study. I actually 0:10:42.840 --> 0:10:44.680 would like to hit Ian's perspective on that too, because 0:10:44.760 --> 0:10:45.160 I was going. 0:10:45.080 --> 0:10:47.040 To say I would like to, like, I think, because 0:10:47.480 --> 0:10:51.040 having Ian here is special as well, and I'd love 0:10:51.080 --> 0:10:52.800 to hear some of the backfront, like how did you 0:10:52.840 --> 0:10:54.680 get here? How did you link with ear your leisure? 0:10:54.880 --> 0:10:56.040 You know, but how did you even get to the 0:10:56.080 --> 0:10:59.400 space where you knew? Like honestly, like, my sister loves 0:10:59.559 --> 0:11:01.080 you know, everyone he knows on the on the show, 0:11:01.120 --> 0:11:03.280 they're always like, bring Cara along. That's my sister who 0:11:03.360 --> 0:11:06.240 like gives us all of our our stock tips who 0:11:06.360 --> 0:11:09.040 she's like, now, I'm good, but she you are one 0:11:09.040 --> 0:11:18.040 of the few people that she's like, Yo, he's dope. Yes, 0:11:18.120 --> 0:11:19.840 I'd love to know how'd you get here? How'd you 0:11:19.880 --> 0:11:21.600 learn what you learn? How did you connect with her 0:11:21.679 --> 0:11:22.120 your leisure? 0:11:22.480 --> 0:11:25.520 It came out of pain. So I went to Indiana University. 0:11:25.520 --> 0:11:27.880 I'm from Northwest Indiana. I grew up twenty minutes from Chicago. 0:11:28.080 --> 0:11:31.640 In nineteen ninety nine. In two thousand, my dad gave 0:11:31.679 --> 0:11:34.760 a guy some money because he was in construction. God 0:11:34.840 --> 0:11:38.120 lost all the money, lost one hundred and two thousand, 0:11:38.360 --> 0:11:41.960 like three months doing option trads. And there was a 0:11:41.960 --> 0:11:45.160 guy's first three months with the firm. Literally told him, Hey, 0:11:45.160 --> 0:11:48.000 it just happens. And my dad was like, what do 0:11:48.080 --> 0:11:49.720 you mean, It just happens, like there was no care, 0:11:49.840 --> 0:11:53.800 no compassion. So that was my first introduction. Second introduction 0:11:53.920 --> 0:11:58.240 Indiana University. I'm walking from Valentine. Kudos Andy Shiftman, he's 0:11:58.240 --> 0:12:00.199 an agent now in the NBA, and he was like, Yo, 0:12:00.240 --> 0:12:04.760 Cuban made this crazy trade with Yahoo, which crazy enough. 0:12:04.960 --> 0:12:08.920 EYL went to interview him about, you know, fifteen years later, 0:12:09.480 --> 0:12:12.400 but Mark Cuban had She's so broadcast dot Com to 0:12:12.520 --> 0:12:15.880 Yahoo and then got the stocks and then shortened it 0:12:16.679 --> 0:12:18.480 as a FELLO took that money and then invested long 0:12:18.520 --> 0:12:20.440 term into the market. So I had an exposure to 0:12:20.920 --> 0:12:23.280 what happens when things don't go well and then this 0:12:23.360 --> 0:12:25.680 other side of like even when the market goes down, 0:12:25.760 --> 0:12:28.280 you can make money. So one of my buddies worked 0:12:28.320 --> 0:12:30.640 for JP Morgan in two thousand and seven. He worked 0:12:30.640 --> 0:12:33.160 for a big firm. He told me everything to invest 0:12:33.200 --> 0:12:36.000 in the recession. Guess what I did? Did not listen. 0:12:36.600 --> 0:12:38.600 He called me four months later and he was like, Okay, 0:12:38.600 --> 0:12:41.000 I'm about to retire. He was thirty five. He was like, 0:12:41.040 --> 0:12:42.760 you can liquidate everything that I told you to get 0:12:42.800 --> 0:12:44.839 and I was like, looqu what. He was like, no, 0:12:44.880 --> 0:12:47.280 I'm about to retire. He was like, you didn't buy 0:12:47.360 --> 0:12:50.640 what I told you and he was already rich, like 0:12:51.440 --> 0:12:54.240 but he still retired to this day from two thousand 0:12:54.280 --> 0:12:56.720 and eight from those investments. And I was like, see 0:12:56.720 --> 0:13:00.240 what had happened? Was I was going to and you 0:13:00.240 --> 0:13:03.680 know I went on the day too, And that was 0:13:03.720 --> 0:13:07.800 my first lesson of like, these recessions and huge crashes 0:13:07.800 --> 0:13:11.480 are immense opportunities. To us, we panic, but for other 0:13:11.520 --> 0:13:13.600 people they end up profiting from it. So from that 0:13:13.640 --> 0:13:15.680 point on, I was like, I'll never get caught not 0:13:15.760 --> 0:13:18.120 knowing what a recession is and how to take advantage 0:13:18.160 --> 0:13:20.480 of it. And I will post on Facebook and share 0:13:20.480 --> 0:13:22.360 stuff with my friends for free. And then one of 0:13:22.360 --> 0:13:25.360 my friends jury introduced me to Troy Orshat and then 0:13:25.360 --> 0:13:28.360 of course you know they didn't know me, and it's 0:13:28.400 --> 0:13:30.160 so many we all know this. We see people people 0:13:30.320 --> 0:13:33.040 who post online who act like they're the greatest, but 0:13:33.080 --> 0:13:35.360 they're not good at their craft, so it took them 0:13:35.400 --> 0:13:37.200 a while to like warm up to me. But after 0:13:37.240 --> 0:13:40.680 we connect and did episode seventy end up being a classic, 0:13:40.679 --> 0:13:42.880 and then from there goes to the power partnership. I'm like, hey, 0:13:43.640 --> 0:13:46.280 we should do a podcast together because I like working 0:13:46.280 --> 0:13:48.840 with other people, but in particularly I like working with 0:13:48.920 --> 0:13:52.200 us because let's be honest. In twenty ten, when I 0:13:52.240 --> 0:13:55.720 was talking about investing and using rap references in basketball references, 0:13:55.760 --> 0:13:57.960 it was looking down upon. It's like, no one wants 0:13:58.000 --> 0:14:01.760 to hear that perspective of the marker from Adam, you know. 0:14:02.000 --> 0:14:04.839 And I'm like, but my people in the barbershop get that. 0:14:04.920 --> 0:14:07.000 They don't understand what a derived derivative is. 0:14:07.120 --> 0:14:09.560 Or a synthetic instrument. They're like, a what is that? 0:14:09.640 --> 0:14:12.720 A beat machine? Like? What's that? So making it plain 0:14:13.520 --> 0:14:14.120 made it fun. 0:14:14.120 --> 0:14:15.960 And I think we are shitting in a wave to 0:14:16.000 --> 0:14:18.480 make it acceptable for us to be us and invested 0:14:18.480 --> 0:14:21.120 in the market. And last year I think our growth 0:14:21.200 --> 0:14:25.440 was the biggest in investing in this entire history. 0:14:28.520 --> 0:14:31.000 Can I ask y'all a question going back to your origins? 0:14:31.440 --> 0:14:36.120 What I know so Rashad financial advisor. Ian, you also 0:14:36.160 --> 0:14:38.360 worked in wait, JP Morgan or is that a buddy? 0:14:38.520 --> 0:14:40.080 No, that was my buddy mom. I'm an investor, I 0:14:40.160 --> 0:14:41.000 just didn't learn how to do. 0:14:40.960 --> 0:14:45.800 It on my own d y investing. So Troy educator teach, 0:14:46.000 --> 0:14:46.680 what did you teach? 0:14:47.280 --> 0:14:48.760 I taught health science and physics. 0:14:49.000 --> 0:14:54.600 Sound was like, coach Troy, exactly right. But but y'all, 0:14:54.720 --> 0:14:56.440 I mean, and I know Ian you kind of shared 0:14:56.480 --> 0:14:59.080 some of your early financial inspirations. But for Troy and Rashad, 0:14:59.120 --> 0:15:01.920 I mean, who was it? How did you end up here? 0:15:01.960 --> 0:15:05.560 I think personally, you know, I accidentally ended up in 0:15:05.640 --> 0:15:07.800 personal finance, you know, kicked on my butt as a 0:15:07.840 --> 0:15:11.600 millennial in the Great Recession. Tiffany's story, I think it's 0:15:11.760 --> 0:15:14.880 very well known about, you know, a similar comeback story 0:15:14.920 --> 0:15:17.920 after the recession. But yeah, what's what? What what drives y'all? 0:15:17.920 --> 0:15:21.040 What's your inspiration financially? Who or what is your inspiration? 0:15:21.160 --> 0:15:22.440 What was that moment for y'all? 0:15:23.080 --> 0:15:25.800 I mean, for me, I think my dad was definitely 0:15:25.800 --> 0:15:28.840 a major inspiration for me. Like I grew up in 0:15:28.840 --> 0:15:32.280 the household, Like my mom is a teacher and she's 0:15:32.400 --> 0:15:36.640 like very you know, ultra paycheck, like she has no 0:15:36.720 --> 0:15:38.640 heart to be an entrepreneur, like she needs to have 0:15:38.680 --> 0:15:42.280 a paycheck. She's not feeling an entrepreneur life. And part 0:15:42.320 --> 0:15:44.800 of that is that, you know, my dad's entrepreneur's whole life, 0:15:44.880 --> 0:15:47.720 but you know, being an entrepreneur's ups and downs. So 0:15:47.800 --> 0:15:49.400 you know, I grew up in the household where you know, 0:15:49.560 --> 0:15:52.200 I saw like, you know, financial issues, like you can 0:15:52.240 --> 0:15:54.320 see like you know what I'm saying, Like as you 0:15:54.320 --> 0:15:56.720 get older, you start to you know, realize what's going on, 0:15:56.880 --> 0:15:59.120 and you know, you see fights and arguments and it's 0:15:59.160 --> 0:16:00.640 like you said this last. 0:16:00.480 --> 0:16:02.120 Time, I'm not you're not borrowing more money from me. 0:16:02.200 --> 0:16:04.600 Da da da. So it's like you start to see, 0:16:04.640 --> 0:16:07.440 like there's good months and then there's bad months. But 0:16:07.480 --> 0:16:10.640 that's the life of an entrepreneur. But I always appreciated that, 0:16:10.720 --> 0:16:13.400 you know, he didn't have to work for anybody, and 0:16:13.480 --> 0:16:17.040 you know, he always had that like do for self mentality, 0:16:17.680 --> 0:16:20.040 and that's something that I always wanted to do. I 0:16:20.080 --> 0:16:22.240 never really wanted to work for anybody. I never was 0:16:22.280 --> 0:16:25.440 good at following orders or following directions. It's something I 0:16:25.480 --> 0:16:27.160 never never was good at. So I always knew I 0:16:27.160 --> 0:16:28.920 wanted to be an entrepreneur my whole entire life. I 0:16:28.960 --> 0:16:31.800 just wasn't sure exactly what direction I wanted to go in. So, 0:16:32.120 --> 0:16:34.200 you know, business is something that I always fell in 0:16:34.200 --> 0:16:36.320 love with, Like even when I was young, I loved 0:16:36.320 --> 0:16:38.880 the stock market, like just movies like Wall Street and 0:16:38.920 --> 0:16:40.960 Barbarians at the Gate, Like I was watching these movies 0:16:40.960 --> 0:16:42.400 when I was twelve years old. It was just something 0:16:42.400 --> 0:16:44.640 about I wanted to be a corporate takeover artist. It 0:16:44.680 --> 0:16:46.600 was just fascinating to me, like you know, growing to 0:16:46.640 --> 0:16:48.160 Wall Street when I was a kid and just seeing 0:16:48.640 --> 0:16:51.840 everything move so quickly, it just was like fascinating to me. 0:16:51.880 --> 0:16:54.080 So I always wanted to be involved in the stock market. 0:16:54.120 --> 0:16:58.040 I always wanted to to, you know, be in the industry. 0:16:58.480 --> 0:17:02.480 But you're different. You weren't like most twelve was. Do 0:17:02.480 --> 0:17:05.280 you think it was because living in Manhattan, you know, 0:17:05.320 --> 0:17:07.119 Wall Street was so close but so far. Do you 0:17:07.119 --> 0:17:08.280 think that was part of the allure? 0:17:08.960 --> 0:17:11.000 Nah, not really, because most of the people that I 0:17:11.000 --> 0:17:13.080 grew up with didn't share the same ambition or the 0:17:13.080 --> 0:17:15.760 same passion for business or stocks that I had. So 0:17:16.320 --> 0:17:18.119 I don't know, I don't I don't know what it was, 0:17:18.280 --> 0:17:20.239 but I guess you know, sometimes in life you just 0:17:20.359 --> 0:17:22.040 you know, you can just see a kid and you're like, 0:17:22.560 --> 0:17:23.040 he's going. 0:17:23.000 --> 0:17:23.199 To be. 0:17:25.160 --> 0:17:29.920 Helped too, Yeah, seeing it, Yeah for sure. But even now, 0:17:29.920 --> 0:17:32.399 I mean I have siblings and they're not entrepreneurs. They 0:17:32.400 --> 0:17:34.320 didn't they didn't go down that route. And they're older 0:17:34.359 --> 0:17:36.280 than me, so I'm the youngest. So you know, I 0:17:36.359 --> 0:17:38.640 just think sometimes you just have things that's just wide 0:17:38.680 --> 0:17:40.920 in your brain. And like I said, I always had 0:17:40.920 --> 0:17:43.520 an issue with authority, like you know, even playing basketball player. 0:17:43.760 --> 0:17:45.200 You know, you don't. 0:17:47.840 --> 0:17:52.880 Really me and. 0:17:52.840 --> 0:17:53.800 Mandy been hard headed. 0:17:55.800 --> 0:17:57.600 I think that, you know, that's that's a gift that 0:17:57.680 --> 0:17:59.280 the courage, but more of a gift, more of a 0:17:59.280 --> 0:18:01.520 gift because me to figure out. 0:18:01.600 --> 0:18:03.040 You know, I never really had a real job. 0:18:03.119 --> 0:18:05.119 So I had a job one time at Target for 0:18:05.160 --> 0:18:07.600 two weeks when I was in college. I got fired. 0:18:07.680 --> 0:18:10.440 I got fired after I think like ten days that 0:18:10.640 --> 0:18:12.720 you just left kind of I got fired at me. 0:18:14.400 --> 0:18:15.520 Like a two hour lunch. 0:18:15.560 --> 0:18:18.600 Target like a two hour lunch. 0:18:18.600 --> 0:18:20.200 But they're like, look, this isn't gonna work out. 0:18:20.320 --> 0:18:21.400 The thirty minute lunch. 0:18:21.200 --> 0:18:23.440 Break trash though, But that's real. You know, that's a 0:18:23.480 --> 0:18:26.600 true story. That's a truth story. H came home from college. 0:18:26.640 --> 0:18:29.119 He's like, what I'm gonna do? He's like, Yo, you 0:18:29.119 --> 0:18:30.639 think I could teach. I'm like, I don't know if 0:18:30.640 --> 0:18:31.360 that's gonna be fair. 0:18:33.720 --> 0:18:37.280